Money Wais ang Pinoy

This fact remains unchanged, emergencies happen whether we like it or not. An emergency can be minuscule or it can be catastrophic. While we can handle small emergencies like changing the batteries of your tires, replacing a home appliance or a minor injury, some emergencies can be stressful. Major health breakdowns, loss of employment or business failure are some of the emergencies that we should prepare for.

Have you ever heard the phrase, "sana pala nag-ipon na ko noong bata bata pa ko"?

For some, saving for retirement is a waste of time and money when you are just in your 20s. But the truth of the matter is, the best time to prepare for retirement is in your 20-30 y/o.

Aside from longer time frame for capital appreciation, when you start young - and if failure comes in your way - you can always try again until you find the tool or investing approach that best suits you. More time means more rooms for improvement, more time to grow and more time to learn from mistakes.

Remember, Time is an important element that will help your money grow better. Don't wait for too long before you start planning.

Retire prepared. Be a blessing rather than a burden to your loved ones. 💯✔️

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Market Recovery Can Happen When We Reach the Golden Cross

Market Recovery Can Happen When We Reach the Golden Cross I recently attended a webinar organized by COL Financial on how should one invest in today’s volatile markets. It was conducted by Chief Equity Strategist, April Lynn Tan. There were many takeaways from the session, and I’d like to share with you today the most interesting lesson I learned that ...

"Hindi mali ang magtipid lalo na kung ayaw mong magipit."

- Mr. Chinkee Tan

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Saan aabot ang 13th month pay mo? 💵

Here are some tips kung saan mo pwede gamitin ang paparating mong 13th month pay. 😊

Mga suggestions lang 'to kapatid, kaya sa huli ikaw pa rin mag dedecide kung saan mo plano gastusin ang pera mo 😊

⚠️ Think before you Spend.

Photo source: Rampver Financials

Alam mo ba yung Theory na ginawa ni Albert Einstein? Yung compound interest? Yung the rule of 72? Kung wala ka pang ideya about jan, you can read this article below 👇

Ito ay isa sa pinakamahalagang financial concepts na dapat nating matutunan, dahil kapag nalaman mo na ang about how money works, you will know if your money is working for you or against you...

Einstein’s Theory | Edmund Lao ENCOURAGING someone to start investing at the earliest time possible is not as easy as one may think. Most people have offered so many excuses, and others have the “to see is to believe” mentality. In the field of investment, Albert Einstein is credited in discovering the compound interest rule....

Hindi nakakapag-ipon dahil maraming dahilan. Kung gusto talaga, maraming paraan para makapagsimulang mag-ipon. Sabi nga, wala yan sa laki o liit ng sweldo mo. Dedikasyon lang yan bes... 😉

GOOD NEWS mga kapatid! May bagong branch na ang Kaiser Medical Clinic, at ito ay sa SM North Edsa!

Familiar ba sayo ang Kaiser? Hindi bale, papakilala ko sya sayo if hindi pa. 😊

Kaiser International Healthgroup, Inc., as an HMO Company caters to both corporate, group, family and individual accounts with our various short term and long term plan packages that would suit your health care requirements.

And one of their great product is The Ultimate Kaiser Health Builder Plan.

Let me share an overview kung ano nga ba itong Long Term Care Plan...

👉It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos :

✅ Investment
✅ Insurance
✅ Long Term Healthcare

The beauty of Kaiser long-term care program is that when a person gets sick, it is a health fund, but if not, it becomes your savings and investments. It answers 2 IF"s of Life:

➡️ What if I die too soon? Solution: Insurance
➡️ What if I live too long? Solution: Investments and Long Term Healthcare

To learn more about the product, you can read this one ➡️ bit.ly/KaiserUltimateHealthBuilder-ProductInfo

Or you can just message us to know more 👍

🙋‍♀️May pahabol pa pala ako... Mahilig ka ba sa UNLI Rice?🍚 😁

💡Alam mo ba na may UNLI din na Medical Check up na pwede mong magamit? 😏 Since ka-partner ni IMG (International Marketing Group) ang Kaiser, kasama ito sa benefits of being an IMG member:

✔ #23 IMG Member Exclusive Benefit: Free consultation for members and discounted medical services for family and their immediate family.

Imagine.... malaking kabawasan din ito sa gastusin ng family mo in case na may family members or ikaw mismo ang kailangan ng Medical Check up.

Isa lang ito sa mga benefits of being an IMG Member..
To know more about other benefits, check here ➡️ http://bit.ly/International-Marketing-Group

Or you can just message us if you are interested 😊 You can also attend our FREE Financial Literacy Seminar.

🤔

Na-SCAM kana ba? 🤔
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It is a reality na marami sa mga Pilipino ang madaling mabiktima ng mga scams. Kakatwang isipin na kahit ang mga Pinoy ay takot mag-take ng risk lalo na kapag pinag uusapan ang pera, pero marami pa rin ang gusto ng maliit ang nilabas na pera tapos malaki ang interest o balik na pera kaagad sa maikling panahon. Dahil dito marami ang nabibiktima ng mga get-rich-quick schemes.😔

Bakit nga ba?

Siguro isa sa mga dahilan ay ang salitang "GREED" o gahaman. Sabi nga.. "greed will make one go beyond his risk tolerance in anticipation of fantastic yields." Minsa sa kagustuhan natin ng sobra sobra, tayo ay napapahamak.

💁‍♀️So ano nga ba ang solution para maiwasan ito? 👉 Financial Education

Just a reminder lang para sa ating lahat...

We should never ever, ever, ever, ever put our money into something we don't understand. That's why we need to learn and to do more research bago tayo mag invest para iwas scam. 😊
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I want to share this Free E-book for you, The Secret to Saving And Building your Future👉 bit.ly/Free-Ebook-IMG

Want to learn about New Saving of Money? You can learn here 👉 bit.ly/New-Ways-of-Saving-Money

Visualizing Financial Literacy Rates Around the World Being financially literate means you understand basic concepts like diversification, inflation and compound interest. Our series of maps indicate relatively few people around the world do.

Alam mo na bes. 😁😁

Heyyy :)

"Rich people use debt to leverage investments and grow cash flows. Poor people use debt to buy things that make rich people richer."
〰️ Grant Cardone

💁‍♀️Let's talk about Good debt, Bad debt and Ugly debt...

GOOD DEBT is incurred to acquire something that creates or has the potential to create value. That is the debt of rich people, and gives them an opportunity to grow even richer.

BAD DEBT is incurred to acquire something that decreases in value over time. It’s something that makes you lose money. A common example is an unnecessary credit card expense that you don’t pay off immediately just to spent only on things that you can't afford just to keep up with peer group pressure. This situation puts them in a position that makes the poor even poorer.

UGLY DEBT comes with high interests. An example is a payday loan. In the Philippines, they come from loan sharks, informal financiers and your friendly neighborhood “5-6”.

But if you use the loan from these sources to earn a profit that’s higher than their interest rates, then it is immediately becomes a good debt, but that’s a rare case, right?

So instead of acquiring an ugly debt. You should instead find other sources of money as advised in this video https://youtu.be/aYlYkohTx5E ... Such as:

✅Ask you employer for a cash advance.
✅Get a loan from a credit union.
✅Borrow money from your family or friends. Make sure to pay them back.
✅Find ways to make money such as selling stuff online or joining direct selling companies.

So, what do you want: a GOOD debt, a BAD debt or an UGLY debt? 🤔😊

If you want to learn more about managing your debts, you can attend our Free Financial Literacy Seminar near in your place. Just send us a message for more details. 😊

"The best gift for your child, is a retirement plan for yourself."

A successful event in Medeor International Hospital here in Al Ain!

Sharing the Financial Literacy Campaign of IMG to our Kabayans.
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We need first to be Financially educated para malaman natin kung paano nga ba ang Saving the right way at maiwasan ang Saving the wrong way.

We need to build first our Solid Financial Foundation so that we can secure more our future.

Be part of our 10 Million IMG crusade to be Financially educated Families by 2025!
Click here 👉 https://120947uae.imgcorp.com/10M2025

Want to know more about IMG? Check here 👉 bit.ly/International-Marketing-Group

Want to learn on how you can start your Financial Planning? Click here 👉 bit.ly/2ENGQb1

If you are interested about becoming your Financial Educator, just send a message 😉

Ganito ba ang sahod mo? 😬😁

Kaya pa?

Think before you click.

Think before you click! 🤪

"Ang kayamanan ay naipapamana. Ang kahirapan ay naipapamana din. Kaya dapat ang kahirapan, huminto sayo, hindi sa yung magulang. Hindi totoong walang pag-asa ang mahirap. Batugan ka lang. Kung mahirap ka, change your mindset." - Isko Moreno

Kaya habang bata pa at habang may income, save and invest for your retirement. Hindi ba mas maganda kung makapag retire tayo ng mas maaga? 💁‍♀️👵👴

🙄🙄🙄
Ganito ka din ba minsan?
'Yung tipong nag decide ka ng mag SAVE ng pera ngayong sahod, then nang napadaan ka lang sa mall at may nakitang SALE, nag iba agad ang takbo ng isip mo. Sabi mo eh, "minsan lang ito naka-sale ah 😍, next time nalang ako mag se-save 🤔 may sahod pa naman akong darating next month 🤗💵."

✅ Saving must become a priority, not just a thought. Pay yourself first.

Gusto mo na bang makapagsimulang makapag-ipon? Read here about Financial Planning --> http://bit.ly/New-Ways-of-Saving-Money

Senator proposes financial literacy in high school curriculum Investment scams proliferate in far-flung areas such as in Mindanao due to illiteracy and the lack of information campaign on dubious schemes, Senator Sherwin Gatchalian told reporters.